Credit cards are all about convenience. Instant access to money you’re not carrying as cash. Money you can spend safely and easily in-store, online or overseas. Wherever you’re going, whatever you do, there’s a credit card with the benefits you're looking for.
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UCount Rewards
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Your credit card gives you a safe way to make transactions, both locally and abroad. All you need to do is follow a few basic precautions, such as:
But we're always here to help you if something does go wrong. The moment your card is lost or stolen, or if you believe your personal details (like your PIN) may have been revealed, call our Lost Card Division immediately on 0800 020 600.
MorePlease have your card number or identity number handy and make a note of the reference number given to you by Customer Care.
Your replacement card will have a new card number. If you have debit orders against your card account, you will need to give your new card number to the debit order recipients.
To track your case, please call our Financial Crime Division on 010 249 0017. You will need to use the reference number given to you by the Lost Card Division.
Lost Card Protection is a free service that protects you against loss caused by fraudulent use of your card if it is lost or stolen up to 24 hours prior to first reporting of the event to the bank.
Lost Card Protection does not cover transactions in which your PIN was used.
Once you report your card as lost or stolen, our Lost Card Division will issue you with a reference number, which you need to give to our Financial Crime Division in the event of fraudulent transactions appearing on your card account.
To track your case, please call our Financial Crime Division on 010 249 0017 with the reference number given to you by the Lost Card Division.
Please note:
Credit cards are a safe way to make payments, provided you take some basic precautions.
You will use your same credit card PIN at ATMs and point of sale terminals. As with ATM withdrawals, make sure nobody sees you entering your PIN at the till. If you feel uncomfortable, stop the transaction and ask for your card.
Don’t tell anyone your PIN. You are responsible for all transactions where your PIN was used.
If you feel that your PIN is no longer secret and secure, head to your closest Standard Bank branch or Standard Bank AutoBank and select a new PIN of your choice.
This instant messaging system notifies you every time money
leaves your account. This can provide you with peace-of-mind
that you will always know the activity of your funds.
It will also allow you to identify transactions that you
have not made.
If you notice anything strange, such as a payment or transfer
you did not authorise, then call us immediately on 0861 201
000.
That way, you can prevent losing all your money to a criminal.
To register for MyUpdates, call 0860 123 107 or visit a Standard Bank branch. Please read the terms and conditions . Call us on 0860 123 107 if you have any questions.
Counterfeit cards
Fraudsters can duplicate your card, which they use to make illegal transactions on your account. They do this by 'skimming' (copying) your card details with a device placed in the ATM. To get your PIN, they will either place a camera somewhere, or watch you while you type in your PIN. Keep the ATM keypad covered when you enter your PIN.
Card swapping
Fraudsters will often pretend to help you when an ATM ‘swallows’ your card. They will mislead you into believing that your card is still in the ATM, when in fact they’ve already snapped it up and watched you enter your PIN.
Never let any stranger help you at an ATM. If someone interrupts you, cancel the transaction immediately and leave. Make sure you have your card with you.
Online purchases without a card
Nowadays, fraudsters don’t need to have your physical card to make fraudulent transactions. They can make online purchases with only your card details. Keep your card details secret. Always keep your card with you and never lose sight of it.
Travelling overseas
Please let us know when you’re going to travel overseas by calling Customer Care on 0861 201 000 or our Financial Crime Unit on 0800 301450 or 0102 490017.
Our new 'Use Card Abroad' functionality on the App allows you to activate your credit cards for overseas travel and notify us of your travel dates in advance.
By notifying us we can continue to monitor your account without making a call referral to authenticate a purchase you make.
With your MasterCard credit card you can:
Use your card locally and internationally at 30 million merchants, or indeed wherever you see the MasterCard® sign.
In-store purchases
A chip- and PIN-enabled card doubles your card security. Chip cards are extremely difficult to copy – and with your secret PIN only you get to use your card.
Use the budget facility for purchases and cash advances of R 200 or more. You can repay the amount over six to 60 months.
3D Secure verifies your personal details during an online purchase, prior to a transaction being completed.
For more information about using MasterPass™ for online shopping, visit the MasterPass website for more information.
You can withdraw cash from your credit card account – locally and internationally – at any Standard Bank branch or ATM where you see the MasterCard®, Maestro or Cirrus sign. Remember that interest on cash withdrawals is calculated from the date of the transaction.
Personal identification number (PIN)
Managing your credit card should not be complicated. All you need to do is review
your credit card statement to check the minimum payment amount, as well as the date
on which it’s due. Keep in mind that if your minimum monthly payment is not
made on time, you will be charged a fee.
You can have your statement delivered by post or email ̶ it's your choice.
We combined revolving and budget credit limits – so now you can decide how you want to use your card.
Our cards have a single credit limit which you can use either as a straight or a budget credit limit. This means that you have the freedom to choose to spend in any combination of straight and budget purchases up to your total limit.
Increasing your account credit limit
Temporary limit increase
Your credit card statement contains several types of information, including :
Your credit card contains multiple technologies that make payments easier, whether you’re making a purchase at a merchant or shopping online:
New ways to pay
Tap to Pay Contactless
With contactless cards you can make easier,
faster and safer purchases using an antenna embedded in your Standard Bank
Credit Card. Making payments with a contactless card is safer because your
card never leaves your hand. (If you tap, you don’t swipe or dip).
After the cashier rings up the amount to be paid, simply tap your credit card within 5cm of the terminal at the point of sale wherever you see a MasterCard® PayPass sign.
MasterPass stores all your payment cards (both debit and credit) and shipping information in one convenient place: your smartphone. You create an account only once. After that you’ll skip checkout forms forever.
Using MasterPass:
SnapScan is a
simple smartphone app that lets you use your phone to pay
for things in-store.
Using SnapScan:
Are you planning to travel abroad? You can now activate your cheque or credit card so you can safely use it while travelling.
In future we will add extra card features to the App, giving you more ways to manage your card – such as changing ATM withdrawal limits and temporarily / permanently deactivating your card while travelling.
When you purchase your public conveyance travel tickets with your Standard Bank credit card you receive automatic basic cover and have the option to take up additional cover at preferential rates.
Credit Card Protection Plan
Cover the debt on your Standard Bank credit card in the event of your death, disability, critical illness, or retrenchment.
Highlights
Terms and conditions
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©2018 Standard Bank is a licensed financial services provider in terms of the Financial Advisory and Intermediary Services Act and a registered credit provider in terms of the National Credit Act, registration number NCRCP15.
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